Peach State Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Peach State Bank & Trust of Gainesville, GA reported 90 mortgage applications totaling $15.8 million, up 67% from 2010. The average application was for $175,088, and applicants reported an average income of $103,811. 97% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Gainesville, GA (71), Atlanta-Sandy Springs-Marietta, GA (5) and Athens-Clarke County, GA (2) (applications in parentheses).
| Mortgage Company & Address | Peach State Bank & Trust 325 Washington Street Gainesville, GA 30501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 90 |
| Total Mortgage Loan Application Amount | $15,758,000 |
| Average Mortgage Loan Application Amount | $175,088 |
| Highest Mortgage Loan Application Amount | $1,695,000 |
| Average Applicant Income | $103,811 |
| Highest Applicant Income | $1,672,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Peach State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hall, Georgia | 71 | $ 12,685,000 | $ 178,661 | $ 119,000 |
| Banks, Georgia | 3 | $ 371,000 | $ 123,666 | $ 30,000 |
| Habersham, Georgia | 3 | $ 169,000 | $ 56,333 | $ 44,000 |
| Lumpkin, Georgia | 3 | $ 332,000 | $ 110,666 | $ 114,000 |
| White, Georgia | 3 | $ 284,000 | $ 94,666 | $ 27,000 |
| Gwinnett, Georgia | 2 | $ 233,000 | $ 116,500 | $ 55,000 |
| Oconee, Georgia | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 207,000 | $ 207,000 | $ 112,000 |
| Dawson, Georgia | 1 | $ 152,000 | $ 152,000 | $ 25,000 |
| Fulton, Georgia | 1 | $ 885,000 | $ 885,000 | $ 0 |
Mortgage Loan Application Detail Totals for Peach State Bank & Trust in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 69 | $12,628,000 | $183,000 | $1,695,000 | $104,000 | $1,672,000 |
| Home Purchase | 17 | $2,805,000 | $165,000 | $647,000 | $75,000 | $547,000 |
| Home Improvement | 4 | $325,000 | $81,000 | $200,000 | $223,000 | $428,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 58 | $8,703,000 | $150,000 | $1,695,000 | $125,000 | $547,000 |
| Not applicable | 23 | $5,777,000 | $251,000 | $908,000 | $0 | $0 |
| Black or African American | 3 | $392,000 | $130,000 | $139,000 | $30,000 | $48,000 |
| Hispanic | 3 | $278,000 | $92,000 | $162,000 | $67,000 | $119,000 |
| Asian | 2 | $552,000 | $276,000 | $350,000 | $878,000 | $1,672,000 |
| Not Provided | 1 | $56,000 | $56,000 | $56,000 | $65,000 | $65,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 90 | $15,758,000 | $175,000 | $1,695,000 | $104,000 | $1,672,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 87 | $13,802,000 | $158,000 | $1,123,000 | $101,000 | $1,672,000 |
| Application Denied By Financial Institution | 2 | $261,000 | $130,000 | $205,000 | $62,000 | $65,000 |
| Application Withdrawn By Applicant | 1 | $1,695,000 | $1,695,000 | $1,695,000 | $406,000 | $406,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 2 | $261,000 | $130,000 | $205,000 | $62,000 | $65,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peach State Bank & Trust's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Peach State Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About